Best No Balance Transfer Fee Credit Cards
Introduction
Hello Friends, are you tired of dealing with high credit card balance transfer fees? Look no further, as we have gathered information on the best credit cards with no balance transfer fees! Switching to a new credit card with a zero balance transfer fee can help save money. Plus, these cards often offer additional benefits such as rewards points or cash back. Let’s dive into the list of the best no balance transfer fee credit cards available!
1. Citi® Diamond Preferred® Card
The Citi® Diamond Preferred® card offers a 0% APR introductory period for balance transfers. Additionally, there is no annual fee for the card. The introductory period lasts for 18 months, which is plenty of time to pay off any transferred balances without incurring interest charges. The card also features a range of other benefits, including trip cancellation protection, car rental insurance, and extended warranty coverage. With no annual fee and a long intro period, this card could be a great choice for anyone looking to save money on balance transfers.
Pros:
- Long intro period
- No annual fees
- Additional benefits such as trip cancellation protection and car rental insurance
Cons:
- Needs good to excellent credit to qualify
- Balance transfer fees may apply after the introductory period
2. Chase Freedom Unlimited®
The Chase Freedom Unlimited® card also offers a 0% APR introductory period for balance transfers, as well as a number of other benefits. This includes unlimited cash back on all purchases, and the ability to earn a $200 bonus after spending $500 in the first three months of opening the account. There is no annual fee for the card and it also features zero liability protection on unauthorized purchases. With the added benefit of earning cash back on purchases, this card might be the perfect fit for those who want to save money and earn rewards at the same time.
Pros:
- 0% APR introductory period for balance transfers
- No annual fee
- Unlimited cash back on all purchases
- $200 bonus after spending $500 in the first three months
- Zero liability protection
Cons:
- Needs good to excellent credit to qualify
3. Wells Fargo Propel American Express® Card
The Wells Fargo Propel American Express® Card is another great option for those looking to transfer a balance to a new card. Specifically, this card features a 0% APR introductory period for balance transfers and purchases, as well as no annual fees. Additionally, the card comes with a range of other benefits such as cell phone protection, travel accident insurance, and even a retail purchase protection program. With a long intro period and a wide range of benefits, the Wells Fargo Propel American Express® Card is a reliable choice for anyone who wants to save on balance transfer fees and earn rewards at the same time.
Pros:
- 0% APR introductory period for balance transfers and purchases
- No annual fees
- Cell phone protection
- Travel accident insurance
- Retail purchase protection program
Cons:
- Needs good to excellent credit to qualify
4. Bank of America® Cash Rewards Credit Card
The Bank of America® Cash Rewards credit card offers a 0% intro APR for the first 15 billing cycles on any balance transfers made within the first 60 days of opening the account. Furthermore, this card features a $200 cash rewards bonus after making $1,000 in purchases in the first 90 days. The card also has no annual fee and rewards users with 3% cash back on gas, 2% cash back on groceries, and 1% cash back on general purchases. The Bank of America® Cash Rewards credit card could be a great option for anyone looking to save on balance transfer fees and earn cash rewards at the same time.
Pros:
- 0% intro APR for the first 15 billing cycles on balance transfers made within the first 60 days
- $200 cash rewards bonus after making $1,000 in purchases in the first 90 days
- No annual fee
- 3% cash back on gas, 2% cash back on groceries, and 1% cash back on general purchases
Cons:
- Needs good to excellent credit to qualify
5. Discover it® Cash Back
The Discover it® Cash Back offers a 0% intro APR period for balance transfers and purchases for 14 months. This card also offers cash back rewards on every purchase, including 5% cash back on rotating categories each quarter and 1% cash back on all other purchases. What makes this card unique is that it offers a “Cashback Match” program, which means Discover will match all of the cash back rewards earned by the user during the first year of card membership. There is no annual fee for the card, and it also features zero liability protection on unauthorized purchases. Overall, the Discover it® Cash Back card offers a great combination of balance transfer savings and rewards.
Pros:
- 0% intro APR period for balance transfers and purchases for 14 months
- Cash back rewards on every purchase
- “Cashback Match” program
- No annual fee
- Zero liability protection
Cons:
- Needs good to excellent credit to qualify
- The 5% cash back categories change each quarter
6. HSBC Gold Mastercard® credit card
The HSBC Gold Mastercard® credit card offers a 0% introductory APR on balance transfers made within the first 60 days of opening the account, as well as for the first 18 months on purchases. This card has no annual fee, and it also offers extended warranty coverage and travel accident insurance. One unique thing about this card is that it also features zero foreign transaction fees, making it a great option for anyone who frequently travels abroad. With a long intro period and added benefits, the HSBC Gold Mastercard® is a good choice for those looking to save on balance transfer fees and enjoy other perks as well.
Pros:
- 0% introductory APR for balance transfers made within the first 60 days of opening the account
- 0% introductory APR for the first 18 months on purchases
- No annual fee
- Extended warranty coverage
- Travel accident insurance
- Zero foreign transaction fees
Cons:
- Needs good to excellent credit to qualify
Conclusion
Overall, switching to one of the best credit cards with zero balance transfer fees can be a great way to save money. Not only can users avoid paying the high fees associated with conventional balance transfers, but they can also take advantage of a range of additional benefits and rewards. The six credit cards listed above represent some of the best no balance transfer fee credit cards available today. Be sure to do your own research and choose the card that best fits your specific needs and spending habits. Get rid of those pesky balance transfer fees and start saving money today!
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